Legal subjectivity:

Many home buyers now choose to use provident fund loans to buy houses because it is more convenient. However, some people also want to apply for provident fund loans, but they also I don’t want to buy a house, is that okay? Provident fund loans are very beneficial to many people, but can we use provident fund loans without buying a house? What information do I need to prepare for a provident fund loan? Let’s take a look with the editor of the French Open. 1. You cannot get a loan if you do not buy a house. The housing provident fund is a special fund used for commercial housing loans and housing management and cannot be used for loans for other purposes. As the name suggests, the housing provident fund is related to housing and is used for house purchase and decoration. This does not apply to things that are not directly related to housing. 2. You can apply for a commercial loan and then withdraw the provident fund to pay off the commercial loan. If you do not want to buy a house, you can apply for provident fund in the name of renting a house or overhauling a house, serious illness, resignation, retirement, etc. The provident fund is earmarked for special purposes. Provident fund loans can only be used by families to purchase houses. It is also stipulated that if you buy commercial housing or shops, you cannot use provident fund loans. 3. Housing consumption withdrawals: those who purchase self-owned housing such as commercial housing, private housing, affordable housing, and limited-price commercial housing; those who build, renovate, and overhaul self-owned housing on rural collective land; those who repay the principal and interest of self-owned housing loans; none Employees without housing loans rent houses. Withdrawals for non-housing consumption: those who retire or retire; those who leave the country to settle; those who terminate the labor contract with the unit and seal it for two years. 4. Those who receive unemployment insurance benefits; those who have completely (or mostly) lost the ability to work or are severely disabled (first- or second-level disability) and have terminated their labor relationship with the employer; those who have been sentenced to a criminal penalty and have terminated their labor relationship with their employer; those who have moved their household registration Those who left the city and terminated the labor relationship with the unit; those who registered overseas and terminated the labor relationship with the unit; those whose employees died or were declared dead; those who were included in the scope of lower living security or special poverty relief for urban residents in this city; family members (individuals) , spouse, minor children) suffer from serious diseases. So the above is an introduction to whether you can use provident fund loans without buying a house. Provident fund loans cannot be borrowed casually. The process of using provident fund loans to buy a house is relatively troublesome. You must understand it before applying to avoid making mistakes during the application. It is a mistake that will affect your future use of the house. Generally speaking, if you don't buy a house but use it for other purposes, you will definitely not be able to get a provident fund loan. Legal objectivity:

"Housing Provident Fund Management Regulations" employees can withdraw the balance in their housing provident fund account if they have one of the following circumstances: 1. Purchasing, building, renovating, or overhauling their own housing; 2. Retired or retired; 3. Completely lost the ability to work and terminated the labor relationship with the unit; 4. Settled abroad; 5. Repaid the principal and interest of a self-occupied housing loan; 6. Rented a house to live in; (The employee and his spouse are in Beijing If you do not own a house in the city and live in public rental housing or commercial housing, the couple can withdraw the housing provident fund to pay the rent) 7. Those who have difficulty living and are receiving urban minimum living security allowance; 8. Encounter an emergency and cause Those who have serious difficulties in family life; 9. Migrant workers who have terminated their labor relations with their units; 10. Those who have been sentenced to death, life imprisonment or fixed-term imprisonment while serving and have reached the national statutory retirement age upon expiration of their term of imprisonment; 11. Death or being declared dead ; If an employee withdraws the housing provident fund in accordance with the circumstances 1, 5, 6, 7, and 8 of Article 4 of these Measures, the spouse can withdraw the housing provident fund from his or her account at the same time.